Revolutionising Private Medical Healthcare. Private medical healthcare around the world, around the clock

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1 Revolutionising Private Medical Healthcare Private medical healthcare around the world, around the clock

2 Welcome to International We are a specialist provider of private medical and related personal insurances. With more than 35 years of experience and global knowledge, we are able to give you peace of mind, whether as an individual, a member of a group scheme, or an employee of a multi-national corporation. Feeling secure about healthcare, for you and your family, has never been so crucial. Social healthcare systems are struggling to keep pace with the ever-increasing cost of medical treatment. If you re abroad, accessing appropriate and effective medical care can add to the stress of the situation, with the cost of treatment often expensive and difficult to arrange, particularly in an emergency. We listen carefully to what people really want. Whether they are at home or abroad, our clients can be certain that the high quality treatment you really require is close at hand at all times. International is here to help you every hour of every day, when it s needed most and no matter where you are in the world. All of International s products are insured and re-insured by some of the largest and most financially secure insurance companies on the planet, such as Lloyd s of London, Optimum Re and Colina Imperial to name but a few. Benefits beyond the usual We provide all the benefits you might expect from a traditional plan and more, including as many chronic and serious illnesses as possible, plus maternity care (subject to the plan limitations and terms). Optional Dental, Optical, Travel, Personal Accident and Life Cover and Income Protection are available on all plans. If you extend your cover with our Executive Plan, you will receive an extensive range of benefits including preventative and general dental care, prescription drugs, glasses, contact lenses and annual health checks. You have the choice of including full worldwide cover by including the USA region. All our plans include emergency treatment whilst travelling in the USA. Page 1

3 Revolutionising private medical healthcare Concierge Plan For our most discerning clients, we provide a completely bespoke Concierge Plan, with all costs fully included and benefits that are even higher than our Executive Plan. If you think this exclusive plan would suit you, or you would like to know more, contact us for details. Buying made easy Discussing your needs and buying your insurance is easy, simply contact us by phone +44 (0) , or by post: International UK Administration Office 95 Cromwell Road London SW7 4DL United Kingdom Alternatively, visit us at our easy-to-use website Here you can browse through our full range of plans and obtain copies of all our literature and policy terms. You can also get an online quotation, either as an individual or as a family and complete a straightforward application form. If you prefer, you can also arrange your insurance through your usual advisor. International is revolutionising international private medical healthcare. With the support of some of the world s largest and most experienced insurers, we are breaking the mould of traditional medical insurance, so we can offer you an unbeatable package of cover. Comprehensive and flexible Whether you are looking for an all-inclusive policy or one that provides just the basics, we have a plan that s right for you. Our range of tailor-made international insurance plans has been created to cover most eventualities, no matter where in the world you are, or whoever you work for. International plans are totally portable. They are with you for life and can move from employer to employer throughout your career. Membership is open to virtually everyone, provided you join before your 75 th birthday (subject to underwriting and plan rules). Money back guarantee We want you to be entirely satisfied that the decision you make is the right one for you. If in the unlikely event that you are not entirely satisfied with your chosen plan, we will refund your premium (subject to no claims or visa applications having been made). Just let us know in writing within 14 days of your policy inception date. Truly global cover All our plans give you the choice of where you have your treatment. With over 7,000 hospitals and 350,000 physicians and nursing staff in our network, you can choose almost any registered medical facility in the world (subject to your plan s Area or Cover Deductible and Benefit Levels). An emergency, not a crisis If you fall ill abroad and local facilities prove to be inadequate, we will arrange for your evacuation to the nearest appropriate medical centre. We will make all the necessary arrangements and where required ensure that you are accompanied throughout your journey by a qualified physician or nurse. 24/7 worldwide help With a global network of 24/7 emergency call centres, professionals and doctors/ physicians in over 161 countries, we are always on hand, whenever or wherever you need help. We can provide immediate access to fast, reliable medical advice, and identify the most appropriate medical facility or physician for your condition. Direct claims settlement Our claims service is managed by a team of experienced professionals, who work closely with physicians and medical facilities worldwide to ensure that your claims are settled quickly and efficiently. If you need hospital treatment, we can usually arrange to settle all pre-authorised medical charges directly to your physician or the hospital where you received your treatment, saving you the stress of paying the charges yourself. Page 2 Page 3

4 Although our standard policies cover almost all eventualities, we offer a range of additional products and services that offer further peace of mind and protection. Page 4 Page 5

5 Comparison of plans Compare the five plans to see which one is right for you. Benefits Emergency Plus Standard Plus Premium Executive Annual Maximum Healthcare Treatment $500,000 $500,000 $1,000,000 $1,500,000 $2,000,000 Area 1 Worldwide excluding USA and Hong Kong Area 2 Worldwide including USA and Hong Kong Deductible per Event $2,000 $1,000/$250 $1,000/$250 $1,000/$250/Nil $1,000/$250/Nil Co-Pay (Optional) (capped liability to $20,000) Nil, 10%, 20% or 30% In-patient and day-patient treatment Accommodation, Operating Theatre and Recovery Room Day-care Surgery/Treatment Diagnostic Procedures Hospital Cash Benefit (non-medical expenses in a non-chargeable hospital) Hospitalisation Cash Benefit (non-medical expenses) Lifesaving Organ Transplant $100 per day up to $100,000 $100 per day up to $100,000 $200 per day $200 per day (max 50 days) up to $100,000 $250 per day $250 per day (max 50 days) up to $500,000 $250 per day (max 45 days) $300 per day (max 50 days) up to $500,000 Nursing Parental Accommodation (Child up to 16 years old) $45 per day $45 per day $150 per day $150 per day $150 per day (max 45 days) Physician, Specialist, Surgeon and Anaesthetist Fees Prescription Drugs and Medicines Radiotherapy, Chemotherapy and Oncology Second Opinion for Surgery Surgical Appliances Outpatient treatment Non-Western and Alternative Medicine (including chiropractic, osteopathy and acupuncture) Physician and Paramedical Fees Physiotherapy Prescribed Drugs X-Ray, Laboratory Tests and Treatment up to $400 75% of costs 75% of costs (12 sessions) (12 sessions) (12 sessions) 75% of costs 75% of costs Preventative Annual Health Checks Vaccinations Well Being (Routine Gynaecological Tests, Mammograms and Prostate Examinations) 75% of costs up to $150 75% of costs up to $150 up to $450 up to $400 up to $250 up to $450 up to $750 up to $450 Well Child Care (up to 7 years of age) Page 6 Outpatient Overall Combined Benefit Limit (Except Day-Care Surgery or Treatment). *Co-Pay applies to all claims if selected*

6 Maternity Complications of Pregnancy and Childbirth (12 months waiting period on claims) Normal Pregnancy and Childbirth (12 months waiting period on claims) up to $10,000 up to $3,000 up to $10,000 up to $3,000 up to $25,000 up to $25,000 Dental (Overall Combined Limit up to $4,000) Emergency Dental Treatment Dental Crowns, Bridges, Dentures and Implants Routine Dental Care Restorative Dental Treatment Orthodontic Treatment (Only eligible for dependent children under the age of 18) 50% of costs up to $500 per tooth up to $2,000 (limited to $700 per period of insurance) up to $2,000 50% of costs up to $2,000 Special and travel benefits Other benefits Additional Travel Benefits Compassionate Travel and Accommodation Expenses In the event of the death of a close relative (spouse, parent, child, brother or sister) of a round trip Economy Class airline ticket and accommodation costs to attend a funeral up to maximum $5,000. Elective Home Country Treatment Emergency Medical Evacuation and Medical Repatriation Out of Area Accident or Emergency Cover Limited to 30 days Limited to 30 days Limited to 30 days Limited to 60 days Limited to 60 days Out of Hospital Network Cover 30% Co-Pay 20% Co-Pay 20% Co-Pay 20% Co-Pay 20% Co-Pay Repatriation of Mortal Remains up to $3,000 Road Ambulance Transportation Travel Expenses to Home Country for Childbirth 50% of costs 50% of costs Dread/Chronic Diseases (including cancer, heart disease and HIV/Aids) up to $20,000 up to $20,000 up to $20,000 up to $200,000 up to $200,000 Eye Surgery (Illness and Accidental only) Eyeglasses and Contact Lenses Home Nursing Personal Accident Cover (Life Cover for Death by Accident only) Prescribed Medical Aids Psychiatric, Drug and Alcohol Abuse (max 60 days) $25,000 per member (over the age of 18 years old). $10,000 block increases available. The maximum amount of cover per member is $125,000. Rehabilitation/Convalescence (max 45 days) up to $400 (max 60 days) 50% of costs up to $6,000 50% of costs up to $5,000 (max 60 days) Page 8 *Co-Pay applies to all claims if selected* Please note that these plans are stated in US Dollars for illustrative purposes only. Sterling and Euro versions are available upon request.

7 Some essential details Our other products Although our standard policies cover almost all eventualities, we offer a range of additional products and services that offer further peace of mind and protection, such as Life, PHI and Travel etc. Personal Accident Cover Accidents do happen, so it s important to insure against any eventuality. Our Personal Accident programme provides a cash payment to your estate and is available to anyone over 18 years. An individual is automatically covered for US$/ 25,000 or 15,000 as part of the benefits to all the medical plans, with up to a maximum top up limit of US$/ / 125,000 per person. Dental Cover Dental cover is included as standard in our Executive Plan and covers emergency, routine and restorative dental treatments as well as crowns, bridges, dentures and implants (subject to plan limits). Dental cover is available as an optional addition to the rest of our plans, to the same limits, for both existing and new members. Vision Care The eyeglasses and contact lens benefit is now available as an optional extra on all our plans, except for the Executive Plan, where it is offered as standard. This option pays, up to the benefit limit, for eye examinations, frames and lenses, contact lenses, etc. Critical Illness Insurance Should you be diagnosed with a critical illness, International s Critical Illness Plan provides you with a lump sum cash payment. You can use it for additional medical care or in any way you wish - the choice is yours. Term Life Insurance Our choice of life cover plans allows you to build up your cover from as little as US$/ / 50,000 to US$/ / 10m or more. Competitive premiums and simple application forms make International s Term Life Plan an ideal solution to providing for your family s future security (subject to underwriting). Income Protection Not being able to work due to illness or accident can be a major problem when you are in your own country. If it happens abroad, it could be a disaster. If the unexpected does happen, International provides an Income Protection benefit package that ensures financial security for you and your family. The package delivers up to 75% of your earnings made available until your elected retirement age (subject to underwriting), usually aged 65 years. Travel Insurance Designed to look after you, your family or employees all year round, our Annual Multi-Trip Travel Plan covers lost luggage, curtailment, emergency assistance, lost money and holiday cancellations, and free skiing cover for 17 days per year. This can either be used as an addition to the medical plan, or as a stand-alone option. We also offer Single-Trip cover for durations of upto 90 days. Please remember this is not a medical plan. All the information you need You can download further information about any of our products from our website or call us on +44 (0) A few costs not covered by the plans We keep the costs we cannot cover to an absolute minimum. These may include preexisting conditions in the first two years for most conditions, and five years for cancer and heart problems, unless accepted by us in writing and are detailed under each plan s policy terms and conditions. Premiums We keep the cost of your premiums as competitive as possible and by offering you the option of taking a deductible and Co-Pay policy we can reduce your premiums by as much as 60%. Contact us if you wish to discuss your options. The current rates for each of our plans and group rates are available on request. Simply choose which plan is best for you and select your age and those of any other family members you wish to include under your policy. All of our policies are annual, so cover you for one year. Because they are automatically renewed each year, you don t have to worry about cover ending while you are away. You can pay your premium annually or if you pay by credit/debit card, you can pay by instalment; monthly, quarterly, half-yearly. For a quick and easy way to get an instant quote, visit Group programmes and discounts If you are part of a small company with at least three members, or a member of a multi-national corporation you can be included under a Group Plan (a member is an employee of a company and not a spouse or dependant). Group premiums offer considerable savings over our standard rates. Although our Expatriate Plans exclude residents in their home countries, cover can be arranged, in many cases on special terms for bespoke schemes, and we can offer cover for all expatriates wherever they are based in the world. Expatriates living in the USA and Hong Kong may be subject to special conditions. As with our individual members, cover is available from birth and is for life, (subject to plan rules) with premiums charged according to your age and size of group. To find out more, please take a look at our Corporate Brochure, or call us on +44 (0) Page 10 Page 11

8 Applying for your healthcare insurance How to apply To apply for your or your family s cover and pay for your premium with complete security, simply visit and fill in our easy to use, online application form. Alternatively, hard copy application forms can be downloaded from the website, as with all our documentation. Once you ve filled in all the parts of the form, this can be sent to us either by: Fax: +44 (0) Post: International UK Administration Office 95 Cromwell Road London SW7 4DL United Kingdom If you are applying on behalf of your company or have any questions about the cover provided or what information is required when completing your application form, call us on +44 (0) or us on the address above. We re happy to guide you through the process. How to pay for your policy All International plans are issued in US Dollars, Sterling or Euros, but we are happy to accept payment in most other currencies - please contact us for the appropriate exchange rate. What happens next Once we have received your application,we will contact you to confirm receipt. If the application does not involve any medical history, you will receive an offer of cover by no later than the end of the next working day. Otherwise, we guarantee to have an answer back to you within four working days (five working days if it is a group application). Once your application has been processed and accepted, we will send you your policyholder s pack, normally within seven days, which contains the following: Member s Folder Membership Card Schedule of Benefits Certificate of Insurance Claim Form Policy Terms and Conditions 24-Hour Emergency Assistance telephone number HCI Club Membership Details and User Number Page 12 E&OE

9 UK Administration Office 95 Cromwell Road London SW7 4DL United Kingdom T: +44 (0) F: +44 (0) Registered in England and Wales No Registered Office: 2 Charles Street, London, W1J 5DB, United Kingdom Authorised and Regulated by the Financial Conduct Authority. HCI/MD/PB/13.10

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